Rate & Term Refinance
Review whether a new mortgage rate, loan term, or program may better align with your financial goals, estimated costs, and long-term payment strategy.
Explore mortgage refinancing options with clear, personalized guidance from Excel Mortgage Services. Whether you want to pursue a better interest rate, adjust your loan terms, or access available home equity, we help you evaluate the numbers and next steps. Phoenix homeowners can make informed choices with support through application, underwriting, approval, and closing.
Personalized refinance guidance for rate, term, equity-access, and debt-management goals.
Review whether a new mortgage rate, loan term, or program may better align with your financial goals, estimated costs, and long-term payment strategy.
Explore whether refinancing may allow you to access available home equity while replacing your existing mortgage with a loan structure suited to your situation.
Consider mortgage financing options that may combine eligible debts into one loan structure, based on your available equity, credit, income, and overall financial picture.
Refinancing is more than comparing interest rates. Excel Mortgage Services helps you consider your goals, estimated break-even costs, points, rate-lock timing, credit profile, and available equity before selecting a loan path. For Phoenix homeowners, the review also considers property appraisal and documentation requirements that shape the transaction. You receive clear guidance from initial conversation through closing, not a one-size-fits-all recommendation.
See how informed, personalized mortgage guidance supports confident financing decisions.
Straightforward support designed to help you evaluate mortgage choices with confidence.
Receive attentive loan guidance tailored to your goals, finances, and available options.
Understand documentation, underwriting, appraisal, approval, and closing requirements before each important decision.
Explore rate, cash-access, and debt-consolidation strategies with a refinance-focused mortgage professional.
Phoenix borrowers receive support from a provider serving homeowners throughout Arizona and other approved states.
Personal mortgage guidance from an experienced, client-focused loan officer.
Mortgage Loan Officer
Chris Bonnema is a dedicated Mortgage Loan Officer at Excel Mortgage Services, operating out of Templeton, California with an additional office in Georgetown, Texas. With a focus on honesty, integrity, and competence, Chris specializes in reverse mortgages, home refinancing, and home purchases, guiding clients through every step of the financing process. He serves homeowners and homebuyers across California, Arizona, Texas, Oregon, and Florida, providing personalized mortgage solutions tailored to each client's unique needs. Chris is committed to helping borrowers secure the lowest possible interest rates and closing costs while overcoming any roadblocks that may arise. Whether working with first-time homebuyers or homeowners exploring retirement income through home equity, Chris delivers clear, informed, and client-focused guidance throughout the entire loan process.
Mortgage refinancing replaces an existing home loan with a new mortgage. Homeowners may refinance to pursue a different interest rate, change the repayment term, move to another loan program, or access equity through a cash-out refinance. The new loan requires a fresh application, review of credit and income, property appraisal when required, underwriting, approval, and closing.
Speak with a mortgage professional about your refinancing goals and options.
Client service grounded in honest mortgage guidance.
Financing support centered on clear, responsible communication.
Personalized assistance throughout the loan process.
Share your goals, and a mortgage professional will help you understand the options and documentation involved.
For immediate assistance, feel free to give us a direct call at (805) 975-8584. You can also send us a quick email at chris@myreloans.com.
For immediate assistance, feel free to give us a direct call at (805) 975-8584. You can also send us a quick email at chris@myreloans.com.